examples of course of what was before the federal reserve, whad they knew about predatory lending, what they knew about lending standards from the late 1990s on.dera yes, i changed my mind, and i came to the conclusion that thet federal reserve fell down badly on the job. >> reclaiming my time. congressman thomas. >> look, you know, there's thise sort of notion that, you know, you were there just to sort ofcg battle it out.omas that, you know, that at the end of the day they were going to go their own path, and it was going toer be a 6-4 vote. walk us through this. i mean, at what point did things turn where you realized that that's -- you're not going to have a unified narrative, that they didn't really care about that? >> it, to me, was difficult froe the beginning because i chaired a number of committees in my 28i years in the house, and the only way you can get to a, almost a near unanimous or unanimous position is, frankly, accommodation and compromise.